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Home loan · 4yr Fixed

Fixed Rate Home Loan

Rate
Loan for
Repayments
Deposit

8.14%comparison rate p.a. · 6.89% advertised · With the Wealth Package · $395 a year

4yr Fixed · P&I · Owner-occupier · ≤95% LVR

36th of 37 4-year fixed owner-occupier P&I loans

Go to Commonwealth Bank

The same choices at every rate type

Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Offset account
No
Redraw
Yes
Extra repayments
Yes
Application fee
None
Ongoing fee
None
Discharge fee
$350
Compare all 311 home loans

1yr Fixed · P&I · Owner-occupier · ≤95% LVR
8.53% comparison · 6.78% advertised
1yr Fixed · Interest Only · Owner-occupier · ≤95% LVR
8.54% comparison · 6.94% advertised
1yr Fixed · P&I · Investor · ≤95% LVR
9.04% comparison · 6.84% advertised
1yr Fixed · Interest Only · Investor · ≤95% LVR
9.05% comparison · 6.92% advertised
2yr Fixed · P&I · Owner-occupier · ≤95% LVR
8.38% comparison · 6.82% advertised
2yr Fixed · Interest Only · Owner-occupier · ≤95% LVR
8.40% comparison · 6.96% advertised
2yr Fixed · P&I · Investor · ≤95% LVR
8.83% comparison · 6.87% advertised
2yr Fixed · Interest Only · Investor · ≤95% LVR
8.84% comparison · 6.94% advertised
3yr Fixed · P&I · Owner-occupier · ≤95% LVR
8.26% comparison · 6.89% advertised
3yr Fixed · Interest Only · Owner-occupier · ≤95% LVR
8.30% comparison · 7.04% advertised
3yr Fixed · P&I · Investor · ≤95% LVR
8.66% comparison · 6.91% advertised
3yr Fixed · Interest Only · Investor · ≤95% LVR
8.66% comparison · 6.94% advertised
4yr Fixed · P&I · Owner-occupier · ≤95% LVR
8.14% comparison · 6.89% advertised
4yr Fixed · Interest Only · Owner-occupier · ≤95% LVR
8.21% comparison · 7.09% advertised
4yr Fixed · P&I · Investor · ≤95% LVR
8.50% comparison · 6.94% advertised
4yr Fixed · Interest Only · Investor · ≤95% LVR
8.52% comparison · 6.99% advertised
5yr Fixed · P&I · Investor · ≤95% LVR
8.38% comparison · 6.99% advertised
5yr Fixed · Interest Only · Investor · ≤95% LVR
8.40% comparison · 7.04% advertised

Application fee
None
Ongoing fee
None
Discharge fee
$350
Package (Wealth Package)
$395 a year
Redraw fee
None

Offset account
No
Redraw
Yes
Extra repayments
Yes
Portable
No
Repayment holiday
No

Minimum loan
$10,000

  • Fixed Rate Home Loan · 4yr Fixed · P&I · Owner-occupier
  • RBA cash rate
4.005.006.007.008.00AugSepToday8.14% p.a. today
  1. 2 year Fixed Rate Home Loan (Investment)2 variants up 0.199 days after the RBA rise to 4.60%
    All 2yr Fixed · Investor · ≤95% LVR
    P&I8.648.83+0.19
    Interest Only8.658.84+0.19
    +0.19
  2. 3 Year Fixed Rate Home Loan (Owner Occupied)2 variants up 0.179 days after the RBA rise to 4.60%
    All 3yr Fixed · Owner-occupier · ≤95% LVR
    P&I8.098.26+0.17
    Interest Only8.138.30+0.17
    +0.17
  3. 4 Year Fixed Rate Home Loan (Owner Occupied)2 variants up 0.159 days after the RBA rise to 4.60%
    All 4yr Fixed · Owner-occupier · ≤95% LVR
    P&I7.998.14+0.15
    Interest Only8.068.21+0.15
    +0.15
  4. 3 year Fixed Rate Home Loan (Investment)2 variants up 0.179 days after the RBA rise to 4.60%
    All 3yr Fixed · Investor · ≤95% LVR
    P&I8.498.66+0.17
    Interest Only8.498.66+0.17
    +0.17
  5. 2 Year Fixed Rate Home Loan (Owner Occupied)2 variants up 0.199 days after the RBA rise to 4.60%
    All 2yr Fixed · Owner-occupier · ≤95% LVR
    P&I8.198.38+0.19
    Interest Only8.218.40+0.19
    +0.19
  6. 1 Year Fixed Rate Home Loan (Owner Occupied)2 variants up 0.229 days after the RBA rise to 4.60%
    All 1yr Fixed · Owner-occupier · ≤95% LVR
    P&I8.318.53+0.22
    Interest Only8.328.54+0.22
    +0.22
  1. 5 year Fixed Rate Home Loan (Investment)2 variants up 0.139 days after the RBA rise to 4.60%
    All 5yr Fixed · Investor · ≤95% LVR
    P&I8.258.38+0.13
    Interest Only8.278.40+0.13
    +0.13
  2. 4 year Fixed Rate Home Loan (Investment)2 variants up 0.14 to 0.159 days after the RBA rise to 4.60%
    All 4yr Fixed · Investor · ≤95% LVR
    P&I8.368.50+0.14
    Interest Only8.378.52+0.15
    +0.14 to +0.15
  3. 1 year Fixed Rate Home Loan (Investment)2 variants up 0.229 days after the RBA rise to 4.60%
    All 1yr Fixed · Investor · ≤95% LVR
    P&I8.829.04+0.22
    Interest Only8.839.05+0.22
    +0.22
  4. 1 year Fixed Rate Home Loan (Investment)2 variants up 0.25
    All 1yr Fixed · Investor · ≤95% LVR
    P&I8.578.82+0.25
    Interest Only8.588.83+0.25
    +0.25
  5. 3 Year Fixed Rate Home Loan (Owner Occupied)2 variants up 0.17 to 0.26
    All 3yr Fixed · Owner-occupier · ≤95% LVR
    P&I7.838.09+0.26
    Interest Only7.968.13+0.17
    +0.17 to +0.26
  6. 2 Year Fixed Rate Home Loan (Owner Occupied)2 variants up 0.24 to 0.30
    All 2yr Fixed · Owner-occupier · ≤95% LVR
    P&I7.898.19+0.30
    Interest Only7.978.21+0.24
    +0.24 to +0.30
  7. 3 year Fixed Rate Home Loan (Investment)2 variants up 0.21 to 0.25
    All 3yr Fixed · Investor · ≤95% LVR
    P&I8.248.49+0.25
    Interest Only8.288.49+0.21
    +0.21 to +0.25
  8. 2 year Fixed Rate Home Loan (Investment)2 variants up 0.28 to 0.29
    All 2yr Fixed · Investor · ≤95% LVR
    P&I8.358.64+0.29
    Interest Only8.378.65+0.28
    +0.28 to +0.29
  9. 5 year Fixed Rate Home Loan (Investment)2 variants up 0.13
    All 5yr Fixed · Investor · ≤95% LVR
    P&I8.128.25+0.13
    Interest Only8.148.27+0.13
    +0.13
  10. 1 Year Fixed Rate Home Loan (Owner Occupied)2 variants up 0.22 to 0.25
    All 1yr Fixed · Owner-occupier · ≤95% LVR
    P&I8.068.31+0.25
    Interest Only8.108.32+0.22
    +0.22 to +0.25
  11. 4 Year Fixed Rate Home Loan (Owner Occupied)2 variants up 0.15 to 0.24
    All 4yr Fixed · Owner-occupier · ≤95% LVR
    P&I7.757.99+0.24
    Interest Only7.918.06+0.15
    +0.15 to +0.24
  12. 4 year Fixed Rate Home Loan (Investment)2 variants up 0.17 to 0.19
    All 4yr Fixed · Investor · ≤95% LVR
    P&I8.178.36+0.19
    Interest Only8.208.37+0.17
    +0.17 to +0.19

Tracked since 12 September 2026. Our own corrections of a misread figure aren't shown.

An owner occupied home loan where the interest rate is fixed for 4 years.

Also from Commonwealth Bank: Digi Home Loan 6.41% · Simple Home Loan 6.88% · Standard Variable Rate Home Loan 7.11% · 5 Year Fixed Rate Loan (Owner Occupied) 8.06%

As of 15 October 2026, the Commonwealth Bank Fixed Rate Home Loan's 4-year fixed owner-occupier P&I variant has a comparison rate of 8.14% (6.89% advertised), ranking 36th of 37 4-year fixed owner-occupier P&I loans. The product comes in 18 variants; the others are investor, interest-only and other fixed terms. Its rate last moved on 9 October 2026, 9 days after the RBA rise to 4.60%. From the provider's Consumer Data Right feed, refreshed nightly.